Method and device for outputting risk information and constructing risk information

Abstract

The present application discloses methods and devices for providing risk information. A risk factor corresponding to a risk control decision result of a service that matches service data for a corresponding risk factor is determined. The risk factors are associated with risk control rules and a risk control model identifying relationships between risk factors and risk control decision results. A risk information set corresponding to the risk factor is determined that includes levels of risk information having different refinement degrees and including information explaining a cause of the risk control decision result. The levels of risk information are determined from the levels of risk information based on a risk information requirement level of a service owner of the service. The levels of risk information have refinement degrees matching the risk information requirement level of the service owner. The levels of risk information are provided to the service owner.

What is claimed is: 
     
         1 . A computer-implemented method, comprising:
 determining, from one or more risk factors of one or more of risk control rules and a risk control model identifying relationships between risk factors and risk control decision results, a risk factor corresponding to a risk control decision result of a service matching service data for a corresponding risk factor;   determining a risk information set corresponding to the risk factor, wherein the risk information set includes a plurality of levels of risk information having different refinement degrees and including information explaining a cause of the risk control decision result;   determining, from the plurality of levels of risk information and based on a risk information requirement level of a service owner of the service, one or more levels of risk information having refinement degrees matching the risk information requirement level of the service owner; and   providing, to the service owner, the one or more levels of risk information.   
     
     
         2 . The computer-implemented method of  claim 1 , further comprising determining a correspondence between the risk information set and the one or more risk factors in the risk control rules and the risk control model. 
     
     
         3 . The computer-implemented method of  claim 1 , further comprising:
 before the determination of the one or more levels of risk information, determining, using a predetermined configuration file, risk control requirement information of the service owner; and   inferring the risk information requirement level of the service owner from the risk control requirement information of the service owner.   
     
     
         4 . The computer-implemented method of  claim 1 , wherein providing the one or more levels of risk information includes outputting the one or more levels of risk information to the service owner when providing the one or more levels of risk information to the service owner. 
     
     
         5 . The computer-implemented method of  claim 1 , wherein the risk information requirement level of the service owner is one of multiple predetermined risk information requirement levels, wherein each of the multiple predetermined risk information requirement levels indicates a risk information requirement degree of the service owner or a risk information requirement depth of the service owner. 
     
     
         6 . The computer-implemented method of  claim 1 , wherein the plurality of levels of risk information are constructed based on the risk control rules, the risk control model, and historical risk control experience data. 
     
     
         7 . The computer-implemented method of  claim 1 , further comprising providing, to the service owner, a description describing how the plurality of levels of risk information are determined. 
     
     
         8 . The computer-implemented method of  claim 1 , wherein the risk control decision result of the service owner includes rejecting the service, accepting the service, or a need to manually review the service. 
     
     
         9 . The computer-implemented method of  claim 1 , wherein the service is a payment service, and wherein the service owner is a merchant of the payment service. 
     
     
         10 . A non-transitory, computer-readable medium storing one or more instructions executable by a computer system to perform operations comprising:
 determining, from one or more risk factors of one or more of risk control rules and a risk control model identifying relationships between risk factors and risk control decision results, a risk factor corresponding to a risk control decision result of a service matching service data for a corresponding risk factor;   determining a risk information set corresponding to the risk factor, wherein the risk information set includes a plurality of levels of risk information having different refinement degrees and including information explaining a cause of the risk control decision result;   determining, from the plurality of levels of risk information and based on a risk information requirement level of a service owner of the service, one or more levels of risk information having refinement degrees matching the risk information requirement level of the service owner; and   providing, to the service owner, the one or more levels of risk information.   
     
     
         11 . The non-transitory, computer-readable medium of  claim 10 , the operations further comprising determining a correspondence between the risk information set and the one or more risk factors in the risk control rules and the risk control model. 
     
     
         12 . The non-transitory, computer-readable medium of  claim 10 , the operations further comprising:
 before the determination of the one or more levels of risk information, determining, using a predetermined configuration file, risk control requirement information of the service owner; and   inferring the risk information requirement level of the service owner from the risk control requirement information of the service owner.   
     
     
         13 . The non-transitory, computer-readable medium of  claim 10 , wherein providing the one or more levels of risk information includes outputting the one or more levels of risk information to the service owner when providing the one or more levels of risk information to the service owner. 
     
     
         14 . The non-transitory, computer-readable medium of  claim 10 , wherein the risk information requirement level of the service owner is one of multiple predetermined risk information requirement levels, wherein each of the multiple predetermined risk information requirement levels indicates a risk information requirement degree of the service owner or a risk information requirement depth of the service owner. 
     
     
         15 . The non-transitory, computer-readable medium of  claim 10 , wherein the plurality of levels of risk information are constructed based on the risk control rules, the risk control model, and historical risk control experience data. 
     
     
         16 . The non-transitory, computer-readable medium of  claim 10 , the operations further comprising providing, to the service owner, a description describing how the plurality of levels of risk information are determined. 
     
     
         17 . The non-transitory, computer-readable medium of  claim 10 , wherein the risk control decision result of the service owner includes rejecting the service, accepting the service, or a need to manually review the service. 
     
     
         18 . The non-transitory, computer-readable medium of  claim 10 , wherein the service is a payment service, and wherein the service owner is a merchant of the payment service. 
     
     
         19 . A computer-implemented system, comprising:
 one or more computers; and   one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing one or more instructions that, when executed by the one or more computers, perform one or more operations comprising:
 determining, from one or more risk factors of one or more of risk control rules and a risk control model identifying relationships between risk factors and risk control decision results, a risk factor corresponding to a risk control decision result of a service matching service data for a corresponding risk factor; 
 determining a risk information set corresponding to the risk factor, wherein the risk information set includes a plurality of levels of risk information having different refinement degrees and including information explaining a cause of the risk control decision result; 
 determining, from the plurality of levels of risk information and based on a risk information requirement level of a service owner of the service, one or more levels of risk information having refinement degrees matching the risk information requirement level of the service owner; and 
 providing, to the service owner, the one or more levels of risk information. 
   
     
     
         20 . The computer-implemented system of  claim 19 , the operations further comprising determining a correspondence between the risk information set and the one or more risk factors in the risk control rules and the risk control model.